Natural hazards · Bangor

Bangor, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bangor comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bangor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bangor to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding66%Earthquakes12%Cold waves7%Everything else16%

By hazard

What Bangor faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

66% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Earthquakes

12% of expected damage

Well above average · higher than 76% of U.S. places

Cold waves

7% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bangor flood?

FEMA's records show no paid flood insurance claims in Bangor.

of all homes
are insured

No community discount. Bangor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Franklin County.

Disasters that hit Bangor

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bangor itself: aid to households, or repair grants to the Town of Bangor.

Brought FEMA money into BangorDeclared for Franklin County only

2024

Remnants of Tropical Storm Debby

$262K to the Town of Bangor for repairs

2017

Severe Winter Storm and Snowstorm

$8K to the Town of Bangor for repairs

2013

Severe Storms and Flooding

$50K to the Town of Bangor for repairs

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$27K to the Town of Bangor for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bangor

Bangor and the towns around it

Very lowLowModerateHighVery high

Fort Covingtonmostly inland floodingModerate

Westvillemostly inland floodingModerate

Brandonmostly inland floodingLow

Malonemostly inland floodingLow

Bangormostly inland floodingLow

Moiramostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bangor is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bangor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bangor. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.